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About the Role

The Mortgage Underwriting & Quality Control Manager leads residential mortgage file quality control and due diligence. This role combines hands-on review of Canadian residential mortgage files, leadership of the QC team, and ongoing development of risk analytics and AI tooling. The Manager sets grading standards, handles escalations, and supports the business through client relationships and business development.

Responsibilities

Perform hands-on quality control and due diligence reviews of residential mortgage files.
Review insured mortgage files against CMHC, Sagen and Canada Guaranty program policies.
Test AML/ATF and KYC compliance under FINTRAC and PCMLTFA obligations.
Validate income documentation and calculation methodologies.
Identify and escalate fraud and misrepresentation indicators.
Design, document, and execute sampling methodology.
Manage the exception, rebuttal and cure lifecycle.
Produce loan and portfolio-level findings reports.
Own final review sign-off and manage complex files.
Stay current with market trends and regulatory changes in the Canadian residential mortgage market.
Manage client lifecycle support.
Identify and pursue new client and engagement opportunities.
Act as a subject-matter representative with prospective and existing clients.
Partner with existing clients to identify opportunities to expand engagement scope.
Lead team and support recruitment and succession planning.
Support cost management, revenue forecasting and strategy for the business line internally.
Ensure the review environment meets information security, privacy, data residency and retention requirements.
Other duties as assigned.

Requirements

8–12 years of progressive experience in Canadian residential mortgage underwriting, adjudication, funding, quality control, audit or due diligence.
At least 3 years leading, supervising or formally coaching a review or underwriting team.
Experience designing or operating a formal QC/loan review program.
Background in a client-facing, outsourced or third-party review environment, or in a lender's internal audit, credit risk review or compliance function.
Demonstrated ability to read a lender's underwriting policy and identify where it is silent, internally inconsistent, or out of step with regulator and insurer expectations.
Ability to write findings that withstand challenge — concise, evidence-led and defensible.
Advanced proficiency with mortgage origination and document management systems, Excel and reporting tools.
Comfort working with structured data and review platforms.
Ability to work autonomously within a team environment, maintaining communication with multiple levels of management and senior leadership.
Uses AI as a force multiplier to accelerate thinking, speed and scale while ensuring human judgment owns the outcome.
Stays current on AI/technology developments relevant to the role and industry.
Discretion and sound judgment in handling confidential borrower, lender and commercial information.
An active or previously held mortgage agent or mortgage broker license is strongly preferred.
An accredited mortgage designation through Mortgage Professionals Canada (AMP / AMPC / PMPC), held or in progress.
CAMS or equivalent AML certification, CPA, CFA, FRM, CIA, or Lean / Six Sigma, accreditations.
Demonstrated hands-on underwriting or file review authority on prime and alternative / near-prime residential mortgages.
Exposure to private, MIC, construction, commercial-residential or securitized portfolios.
Experience in financial services, fintech, or other regulated industries.
Experience within the structured finance space.
Experience with whole-loan sale, portfolio insurance, securitization or investor due diligence.
Bilingual in French is considered an asset.

Skills

Mortgage underwriting
Quality control
Due diligence
Risk analytics
AI tooling
Underwriting
Documentation
Regulatory compliance
Grading standards
Client relationships
Engagement scoping
Business development
Credit review
Income review
Asset review
Collateral review
Valuation review
CMHC program policies
Sagen program policies
Canada Guaranty program policies
AML/ATF compliance
KYC compliance
FINTRAC obligations
PCMLTFA obligations
Income documentation validation
Fraud identification
Misrepresentation identification
Sampling methodology design
Exception management
Rebuttal management
Cure lifecycle management
Findings reporting
Policy interpretation
Market trend analysis
Regulatory change analysis
Client onboarding
Audit appeals
Complaints management
SLA management
Turn-time agreements
Proposal shaping
Pricing
RFP response
Market profile building
Pipeline development
Team leadership
Recruitment
Succession planning
Training
Performance management
AI-assisted workflow improvements
Cost management
Revenue forecasting
Information security
Privacy compliance
Data residency
Data retention
PIPEDA compliance
Quebec Law 25 compliance
Excel proficiency
Reporting tools proficiency
Structured data analysis
AI utilization

Location

Toronto
Sydney, Australia
San Diego, USA

Work Type

Hybrid
Flexible work arrangements

Experience Level

8-12 years of progressive experience
3+ years leading/supervising/coaching a team

Education Level

Degree in commerce, business administration, finance, economics or a related discipline, or an equivalent combination of education and directly relevant residential mortgage experience
Completion of Ontario mortgage agent/broker licensing education (Level 1, Level 2, Private Mortgages) or the equivalent BCFSA, AMF or RECA program

Salary/Compensations

$110,000 - $145,000

Benefits

3 weeks base vacation
Employer paid benefits
Profit sharing
Bonus program participation
Competitive compensation package
Yearly professional development allowance
Team socials

About the Company

TAO Solutions is a boutique software provider specializing in securitization and structured finance technologies.
The company’s mission is to be the global leader in niche solutions that bring transparency, flexibility, automation, robustness, and analytical rigor to complex financial programs.
Headquartered in Toronto, with offices in Sydney and San Diego.
Operates with an entrepreneurial, forward-thinking mindset where innovation is encouraged and initiative is valued.

Equal Opportunity

TAO Solutions Inc. is an equal opportunity employer, committed to inclusion and diversity.
All qualified applicants will receive consideration for employment without regard to race, national or ethnic origin, colour, religion, age, sex, sexual orientation, gender identity or expression, marital status, family status, genetic characteristics, disability or any other basis forbidden under federal, provincial, or local law, and will not be discriminated against on the basis of disability.
Accommodations are available on request for candidates taking part in all aspects of the recruitment process.